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comes from medical collections items, which is way out of proportion to the role the health-care system plays a in the economy compared to debt. >> is that the federal reserve study you are referring to? >> yes, 2003. it is clear consumers face enormous challenges understanding medical bills, who is liable for what dealing with payments, consumers get the bills from multiple entities, some of the not aware that have been treated by. anesthesiologists -- all of that stuff. it is not clear when a bill is a bill. of the complicating factors his many health-care providers out source not just collections but their whole accounts receivable function to agencies who manage the building. -- billing. the timing of when it ultimately gets reported to a consumer reporting agency can vary considerably from provider to provider. there is not a single set of rules out there that happen in the medical billing environment that have -- unlike what has evolved in the credit card industry. some collection items show up earlier before some of the responsibilities or a formal and voice may have been receive
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